my Blue Access WV PPO Premier Silver 0 + Adult Dental and Vision
Silver · PPO · Highmark Blue Cross Blue Shield West Virginia · West Virginia
At age 40 it costs between $1,005.33 and $1,250.52 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What this Silver plan costs if your income qualifies
Below certain incomes the marketplace improves a Silver plan's cost sharing automatically — you do not apply for it, and it happens on Silver and on no other metal level. The premium does not change; the deductible and what you pay at the doctor do.
| If your income is | Deductible | Most you could pay in a year | Primary care | Generic drugs |
|---|---|---|---|---|
| Above 250%, or not applied for | $0 | $9,700 | $45 | $5 |
| up to 150% of the federal poverty level | $0 | $1,250 | No Charge | No Charge |
| 150% to 200% | $0 | $3,400 | No Charge | No Charge |
| 200% to 250% | $0 | $7,700 | $45 | $5 |
CMS calls these cost-sharing reductions. The percentages are actuarial values, not discounts. HealthCare.gov works out which one you get from the income you report when you apply.
What CMS publishes about it
| Plan ID | 31274WV0600003 |
|---|---|
| Insurer | Highmark Blue Cross Blue Shield West Virginia |
| Metal level | Silver |
| Plan type | PPO |
| Deductible (individual) | $0 |
| Deductible (family) | $0 |
| Drug deductible | $0 |
| Most you could pay in a year | $9,700 |
| Family maximum | $19,400 |
| Primary care visit | $45 |
| Specialist visit | $45 |
| Emergency room | $1,250 |
| Inpatient stay | $2,500 Copay per Stay |
| Generic drugs | $5 |
| Preferred brand drugs | $30 |
| Specialty drugs | 50% |
| Adult dental included | Yes |
| Child dental included | Yes |
| Share of premium buying essential health benefits | 98.31% |
| Network directory | Who is in network |
| Summary of benefits | Summary of benefits and coverage |
| Drug list | Formulary |
| Customer service | 1-888-601-2109 · TTY 1-888-601-2109 |
Where it is sold, and what it costs there
55 counties. The premium is the price before any tax credit; what you pay depends on your income.
| County | At 21 | At 30 | At 40 | At 50 | At 60 |
|---|---|---|---|---|---|
| Berkeley County | $786.64 | $892.84 | $1,005.33 | $1,404.94 | $2,134.94 |
| Grant County | $786.64 | $892.84 | $1,005.33 | $1,404.94 | $2,134.94 |
| Hampshire County | $786.64 | $892.84 | $1,005.33 | $1,404.94 | $2,134.94 |
| Hardy County | $786.64 | $892.84 | $1,005.33 | $1,404.94 | $2,134.94 |
| Jefferson County | $786.64 | $892.84 | $1,005.33 | $1,404.94 | $2,134.94 |
| Mineral County | $786.64 | $892.84 | $1,005.33 | $1,404.94 | $2,134.94 |
| Morgan County | $786.64 | $892.84 | $1,005.33 | $1,404.94 | $2,134.94 |
| Pendleton County | $786.64 | $892.84 | $1,005.33 | $1,404.94 | $2,134.94 |
| Brooke County | $863.38 | $979.94 | $1,103.40 | $1,542 | $2,343.21 |
| Hancock County | $863.38 | $979.94 | $1,103.40 | $1,542 | $2,343.21 |
| Marshall County | $863.38 | $979.94 | $1,103.40 | $1,542 | $2,343.21 |
| Ohio County | $863.38 | $979.94 | $1,103.40 | $1,542 | $2,343.21 |
| Barbour County | $887.36 | $1,007.15 | $1,134.05 | $1,584.82 | $2,408.30 |
| Doddridge County | $887.36 | $1,007.15 | $1,134.05 | $1,584.82 | $2,408.30 |
| Gilmer County | $887.36 | $1,007.15 | $1,134.05 | $1,584.82 | $2,408.30 |
| Harrison County | $887.36 | $1,007.15 | $1,134.05 | $1,584.82 | $2,408.30 |
| Lewis County | $887.36 | $1,007.15 | $1,134.05 | $1,584.82 | $2,408.30 |
| Marion County | $887.36 | $1,007.15 | $1,134.05 | $1,584.82 | $2,408.30 |
| Monongalia County | $887.36 | $1,007.15 | $1,134.05 | $1,584.82 | $2,408.30 |
| Pocahontas County | $887.36 | $1,007.15 | $1,134.05 | $1,584.82 | $2,408.30 |
| Preston County | $887.36 | $1,007.15 | $1,134.05 | $1,584.82 | $2,408.30 |
| Randolph County | $887.36 | $1,007.15 | $1,134.05 | $1,584.82 | $2,408.30 |
| Taylor County | $887.36 | $1,007.15 | $1,134.05 | $1,584.82 | $2,408.30 |
| Tucker County | $887.36 | $1,007.15 | $1,134.05 | $1,584.82 | $2,408.30 |
| Upshur County | $887.36 | $1,007.15 | $1,134.05 | $1,584.82 | $2,408.30 |
| Webster County | $887.36 | $1,007.15 | $1,134.05 | $1,584.82 | $2,408.30 |
| Wetzel County | $887.36 | $1,007.15 | $1,134.05 | $1,584.82 | $2,408.30 |
| Boone County | $911.35 | $1,034.38 | $1,164.71 | $1,627.67 | $2,473.40 |
| Braxton County | $911.35 | $1,034.38 | $1,164.71 | $1,627.67 | $2,473.40 |
| Calhoun County | $911.35 | $1,034.38 | $1,164.71 | $1,627.67 | $2,473.40 |
| Clay County | $911.35 | $1,034.38 | $1,164.71 | $1,627.67 | $2,473.40 |
| Fayette County | $911.35 | $1,034.38 | $1,164.71 | $1,627.67 | $2,473.40 |
| Greenbrier County | $911.35 | $1,034.38 | $1,164.71 | $1,627.67 | $2,473.40 |
| Kanawha County | $911.35 | $1,034.38 | $1,164.71 | $1,627.67 | $2,473.40 |
| Lincoln County | $911.35 | $1,034.38 | $1,164.71 | $1,627.67 | $2,473.40 |
| Logan County | $911.35 | $1,034.38 | $1,164.71 | $1,627.67 | $2,473.40 |
| McDowell County | $911.35 | $1,034.38 | $1,164.71 | $1,627.67 | $2,473.40 |
| Mercer County | $911.35 | $1,034.38 | $1,164.71 | $1,627.67 | $2,473.40 |
| Mingo County | $911.35 | $1,034.38 | $1,164.71 | $1,627.67 | $2,473.40 |
| Monroe County | $911.35 | $1,034.38 | $1,164.71 | $1,627.67 | $2,473.40 |
| Nicholas County | $911.35 | $1,034.38 | $1,164.71 | $1,627.67 | $2,473.40 |
| Raleigh County | $911.35 | $1,034.38 | $1,164.71 | $1,627.67 | $2,473.40 |
| Roane County | $911.35 | $1,034.38 | $1,164.71 | $1,627.67 | $2,473.40 |
| Summers County | $911.35 | $1,034.38 | $1,164.71 | $1,627.67 | $2,473.40 |
| Wyoming County | $911.35 | $1,034.38 | $1,164.71 | $1,627.67 | $2,473.40 |
| Jackson County | $964.11 | $1,094.26 | $1,232.13 | $1,721.90 | $2,616.59 |
| Pleasants County | $964.11 | $1,094.26 | $1,232.13 | $1,721.90 | $2,616.59 |
| Ritchie County | $964.11 | $1,094.26 | $1,232.13 | $1,721.90 | $2,616.59 |
| Tyler County | $964.11 | $1,094.26 | $1,232.13 | $1,721.90 | $2,616.59 |
| Wirt County | $964.11 | $1,094.26 | $1,232.13 | $1,721.90 | $2,616.59 |
| Wood County | $964.11 | $1,094.26 | $1,232.13 | $1,721.90 | $2,616.59 |
| Cabell County | $978.50 | $1,110.60 | $1,250.52 | $1,747.60 | $2,655.65 |
| Mason County | $978.50 | $1,110.60 | $1,250.52 | $1,747.60 | $2,655.65 |
| Putnam County | $978.50 | $1,110.60 | $1,250.52 | $1,747.60 | $2,655.65 |
| Wayne County | $978.50 | $1,110.60 | $1,250.52 | $1,747.60 | $2,655.65 |
Open enrollment for 2026 coverage runs 1 November 2025 to 15 January 2026 in most states. Outside that window you need a qualifying life event — losing other coverage, moving, marrying, having a child — to enrol.
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Premiums, deductibles, out-of-pocket maximums and cost sharing are reproduced from the HealthCare.gov Qualified Health Plan landscape file published by the Centers for Medicare & Medicaid Services for plan year 2026. Nothing on this page is calculated by us. This is not a complete list of your options and it is not advice: to see every plan and to enrol, use HealthCare.gov or call 1-800-318-2596.